Money Morning Routine | Spending Update + Budget Prep

[@niajones9017]

Can you share your word of the year on here too please as I don’t have instagram. Thanks 💕

[@thebudgetmom]

Consistency!

[@michellemorales401]

I was actually able to close out December on Saturday, and I'm so happy! 🎉🎉🎉 We had a GREAT month and finally made A LOT of progress. We were UNDER budget in ALL spending categories and OVER budget on paying off Debt and Savings. 🎉🎉🎉 💙💜💙

[@canecorsomom2023]

Same! It was my first successful month in a long time. Go us lol 🙌

[@michellemorales401]

@canecorsomom2023 Congrats! Go us!!

[@pattij117]

Miko, please consider sharing your $5 challenge jar counting on You Tube too. Some of us don't have Instagram. Thanks.

[@michellemorales401]

I love your new budget and how you're handling all the changes for 2025. 💙💜💙

[@Boringcountrylife]

😢 KZbin is my only social media. I love your videos. They keep me motivated.

[@julieb6680]

Unfortunately, I do not do Instagram for security reasons. So I guess I will miss a great deal of your content. Thank you for continuing to do the morning routines. I have set up my budget for Jan 2025 and am ready to tackle the month.😃

[@libbysworld7649]

Have you thought about setting a budget of say $150 or $200 for eating out and have the remainder be JUST for groceries? That way you have more of a set amount for food out. Two envelopes sounds like it would allow you to be more consistent. Maybe? 🙂 Happy New Year to you and your family.

[@mrskaylawillms]

I just bought your book I’m so excited !

[@melanieshipley3133]

Sitting here on vacation setting up my Live Rich Planner! I love it. Thanks for making them still

[@marthamarlin3688]

Made my morning. Thank you Miko.

[@jackiebowen6239]

You inspire me with these videos, Miko; thank you! 💚

[@Kash_Budgetz]

I love the new new I am actually starting digital budget this year as i used paper budget book but I am such a paper girly i will be doing both and purchasing your digital paper download n printing & sticking in my happy planner from this year im excited for both & to use your system this year

[@TracyOwen-y9t]

Thank you Miko xx

[@Sitasbudgetingjourney]

I learn so much from watching your videos. 🥳 🎉❤ P.S. I’m loving using the small sized workbook😊❤

[@TracyBirds]

All our sinking funds are cashless too! I have 20 buckets in our account for them.

[@LovinAZ-g1q]

Thank you, thank you - for putting your expenses in date order!

[@Rach-b02]

All my sinking funds are cashless, I have buckets with ally. It gets pulled out of my account and I don't even realize it. Yes I track it weekly. I have tried cash but I just spend it all.

[@MichelleLyn84]

With Ally is it like Capital One where it can take a little bit to get deposited into your checking/savings accounts? I’d like something that is quicker to transfer as/if needed.

[@Sweet_Pea_12]

Same. I have $25 a month automatically come out my checking for annual expenses sinking fund (car tag, Amazon prime, gaming subscriptions) and my second job is direct deposited in ally and i distribute among my buckets as needed during weekly review (vacay, debt payments, savings etc) I also have 2 checking accounts 1-Bills (auto bill pay come out of this) 2-Variable spending (food, gas, house misc)

[@deborahbrown1242]

Great video! Cannot wait for the $1 unstuff!

[@typicaltoni]

Is there a reason you can't upload the videos to you as well as insta? For those of us that aren't on there

[@Soaring_Seajay]

Oh I can’t wait to see how you’re going cashless since that’s what I do. What do you use to scan receipts again? What kind of rewards do you get?

[@morganandcelinee105]

She uses fetch!

[@Soaring_Seajay]

@ Thanks! If she could provide a referral code then she’d get a bonus and so would I. Or anybody can I guess lol

[@wendygardener2316]

Thanks!!!

[@tecaragonzalez5653]

Can you show how you would track if you wanted to roll over your cash envelopes.

[@olgaperez4267]

How do you categorize the cash withdrawal, you don’t do sinking funds/variable expenses? I am stuck on a this part of how this works.

[@thebrainpt]

Where do you get all your stickers?

[@thebudgetmom]

Some are samples that our supplier sent to us, some are TBM stickers, then Amazon and craft stores :-) I use a lot of the Happy Planner sticker books too!

[@roxanagarcia3996]

I wish the workbook had a designated space for sinking funds.. or is there one and I haven't seen it?😮

[@TracyBirds]

There is a Sinking Funds area (box) on every Paycheck Budget Tracker.

[@canecorsomom2023]

I put it under the savings category

[@rhondakelly4039]

Why did you decide to go cashless for your saving ?

[@nancyhamilton9058]

I was wondering the same thing

[@thebudgetmom]

I just realized it was so much easier to keep most of my savings goals at my credit union so I had always had immediate access to it at any given time and I didn't have to worry about going to the bank to deposit the cash

[@bubbles__61104]

As much as we wish we could not eat out as much sometimes its this season of life. We just breath and Re adjust. It is progress not perfection.

[@tanyaclark6669]

Can you please share your 5 dollar challenge here too. I don't have and don't want Instagram. Your KZbin subscribers have been watching you fill up your 5 dollar jar too. This video made me feel like I am missing out if I don't have Instagram 😔

[@latanyaneal4070]

❤ good evening how are you doing today ❤

[@mdw000]

❤❤❤❤

[@evlyngs2010]

I thought KZbin tv new fee started Jan 13 25 -😩

[@BudgetWithJessica]

🩷🩷

[@AneMoore-y6z]

EATING OUT IS GREAT! NOT EVERYONE HAS A FAMILY --- BABIES AND KIDS AND HUSBAND TO COOK FOR --- MY FRIENDS -- WE EAT OUT ALL THE TIME --- COOKING IS BORING! AND IT IS ONE WAY WE GIVE JOY TO OUR GROUP OF WIDOWS. DON'T BE SO JUDGEMENTAL.

[@acorn297]

What are you going on about😂 eating out every night is not healthy.. If that's what you wanna do go for it...